|
Rates and Fees
All dividend and interest rates stated are Annual Percentage Rate (APR)
Rates effective as of 2/8/2010
| Regular Shares |
03/31/09 |
06/30/09 |
09/30/09 |
12/31/09 |
3/31/10 |
| $25.00 - $499.99 |
0.00% |
0.00% |
0.00% |
0.00% |
Not Yet Declared |
| $500.00 - $999.99 |
0.75% |
0.75% |
0.50% |
0.50% |
| $1,000.00 - $4,999.99 |
1.00% |
1.00% |
0.75% |
0.75% |
| $5,000.00 - $9,999.99 |
1.25% |
1.25% |
1.00% |
1.00% |
| $10,000 and over |
1.50% |
1.50% |
1.25% |
1.25% |
*Anticipated dividends to be paid
Share Draft (checking)
paid monthly |
03/31/09 |
06/30/09 |
09/30/09 |
12/31/09 |
03/31/10 |
| $500.00 and over |
0.50% |
0.25% |
0.25% |
0.25% |
Not Yet Declared |
*Anticipated dividends to be paid
Goal Saver Account
paid quarterly |
03/31/09 |
06/30/09 |
09/30/09 |
12/31/09 |
03/31/10 |
| No Minimum |
1.15% |
1.15% |
1.00% |
1.00% |
Not Yet Declared |
*Anticipated dividends to be paid
** Four withdrawals allowed per year, additional withdrawals are subject to an early withdrawal fee
| Christmas Club** |
03/31/09 |
06/30/09 |
09/30/09 |
12/31/09 |
03/31/10 |
| No Minimum |
|
|
|
1.00% |
Not Yet Declared |
**Withdrawals made prior to
9/30/09 are subject to an early withdrawal fee
| Certificate of Deposit* |
Term |
Minimum Balance |
Rate Paid at Maturity* |
|
|
|
|
| |
12 Month |
$1,000 |
1.75% |
|
6 Month |
$1,000 |
1.25% |
*Withdrawals made prior to maturity are subject to a loss of 90 days dividend
| Loan Rates |
| Type |
Rate |
Monthly Rate |
Term |
Financing |
Conditions |
|
|
|
|
|
|
| New Vehicle
- Previously Untitled, Maximum $75,000, Less than 10K miles |
| Auto |
 |
| Truck |
| Motorcycle |
| Boat | |
as low as |
4.50% |
36 mos. |
100.00% |
|
| as low as |
5.00% |
48 mos. |
100.00% |
|
| as low as |
5.50% |
60 mos. |
100.00% |
|
| as low as |
6.00% |
72 mos. |
100.00% |
|
| as low as |
6.50% |
84 mos. |
100.00% |
|
|
|
|
|
|
|
| Extended |
as low as |
7.50% |
120 mos. |
100.00% |
Maximum $100,000 |
| Used Vehicle -- 2004 or newer, Maximum $50,000 |
|
|
as low as |
4.50% |
36 mos. |
100.00% |
Black Book Avg retail value |
|
|
as low as |
5.00% |
48 mos. |
100.00% |
Black Book Avg retail value |
|
as low as |
5.50% |
60 mos. |
100.00% |
Black Book Avg retail value |
|
as low as |
6.00% |
72 mos. |
100.00% |
Black Book Avg retail value |
| Misc. Motor Vehicle (non-titled vehicles-Jet Skis, Snowmobiles, ATV's, etc.) |
|
|
as low as |
8.00% |
36 mos. |
100.00% |
Black Book Avg retail value |
|
|
as low as |
8.50% |
48 mos. |
100.00% |
Black Book Avg retail value |
|
|
as low as |
9.00% |
60 mos. |
100.00% |
Black Book Avg retail value |
| Antique |
|
|
as low as |
4.50% |
36 mos. |
100.00% |
Certified appraisal value |
|
Share Secured |
|
|
4.00% |
120 mos. |
100.00% |
Limited to available share
balance |
| Home Equity* |
| Fixed Rate |
|
5.50% |
120mos. |
85.00% |
Maximum $250,000 |
| Variable (Prime) |
|
4.00% |
240mos. |
85.00% |
Maximum $250,000 |
*$100 application fee, $400 processing fee.
| Signature and Cosigner |
| Signature and Cosigner |
as low as |
9.00% |
36 mos. |
Maximum
$10,000 member signature
Maximum $15,000 with qualified CFD employee |
| Signature and Cosigner |
as low as |
10.50% |
48 mos. |
| Signature and Cosigner |
as low as |
12.00% |
60 mos. |
| |
|
|
. |
|
|
| Visa Card |
|
|
9.11% |
N/A |
$10,000.00 |
Member Signature |
All share and loan rates are subject to change at the discretion of the Board of Directors of the CFFCU, except in the instance of a previously advertised special whereby those special dates are clearly disclosed and defined.
State Regulations discourage the payment of dividends in excess of available earnings.
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
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